Monthly Investment Amount (₹)

Expected Annual Returns (%)

Investment Time Period (Years)

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Our SIP Calculator helps you estimate the returns on your Systematic Investment Plan (SIP) in mutual funds. SIP allows you to invest a fixed amount at regular intervals, typically monthly.

How is SIP return calculated?

The SIP return is calculated using the formula:

M = P × ({[1 + i]^n - 1} / i) × (1 + i)

Where:

• M is the maturity amount
• P is the monthly SIP amount
• i is the monthly interest rate (annual rate divided by 12 and then by 100)
• n is the investment duration in months

Benefits of SIP Investments

• Rupee Cost Averaging: Automatically buy more units when prices are low and fewer when prices are high
• Power of Compounding: Earn returns on your returns over time
• Disciplined Investing: Regular investments help build a habit of saving
• Flexibility: Start with as low as ₹500 per month

SIP Investment Strategy

For long-term wealth creation, consider investing in equity mutual funds through SIP for at least 5-7 years to ride out market volatility.